HomeMy WebLinkAboutAudited Financial Reports - PD Recreational Facilities Corporation for FY Ending 6/30/04City of Palm Desert
STAFF REPORT
Council Meeting of January 27, 2005
TO: HONORABLE MAYOR AND MEMBERS OF THE CITY COUNCIL
FROM: PAUL S. GIBSON, DIRECTOR OF FINANCE/CITY TREASURER
SUBJECT: Palm Desert Recreational Facilities Corporation Audited Financial
Reports for the Fiscal Year Ending June 30, 2004
DATE: January 27, 2005
RECOMMENDATION:
By Minute Motion, receive and file the audited financial statements of the Palm Desert
Recreational Facilities Corporation for the fiscal year ending June 30, 2004.
BACKGROUND:
The Palm Desert Recreational Facilities Corporation is a Corporation that provides food and
beverage services exclusively to the Desert Willow Golf Resort.
We received an unqualified opinion which is the highest opinion that an audit firm can issue.
This indicates that in the auditor's opinion, the financial statements present fairly, in all material
respects, the financial position of the Palm Desert Recreational Facilities Corporation. In
conducting the audit, the auditors are also required to test the internal controls. The Internal
controls were tested in conjunction with Desert Willow Golf Resort.
For the year ended June 30, 2004, the auditors did not issue a management letter.
Staff recommends that the City Council receive and file the audited financial statements for
the Palm Desert Recreational Facilities Corporation forthefiscal year ending June 30, 2004.
Respectfully submitted,
Reviewed and concur,
PAUL • . e; I BSO i , CARLOS L. TEGA,
- DIRECTOOF NANCE/TREASURER CITY MANAGER
HAAcctg 041Aud it041staffreportPDRFC2004 audit.wpd
PALM DESERT
RECREATIONAL FACILITIES CORPORATION
PALM DESERT, CALIFORNIA
FINANCIAL STATEMENTS
J UN E 30, 2004
PALM DESERT RECREATIONAL FACILITIES CORPORATION
TABLE OF CONTENTS
JUNE 30, 2004
Page
Number
Independent Auditors' Report 1
Management's Discussion and Analysis 3
Basic Financial Statements:
Exhibit A - Statement of Net Assets 8
Exhibit B Statement of Revenues, Expenses and Changes in Net Assets 9
Exhibit C - Statement of Cash Flows 10
Notes to Basic Financial Statements 11
SoliLance &
Lunghard
LLP
Brandon W. Burrows
Donald L. Parker
Michael K. Chu
David E. Hale
A professional corporation
Donald G. Slater
Richard K. Kikuchi
Certified Public Accountants
INDEPENDENT AUDITORS' REPORT
Board of Directors
Palm Desert Recreational Facilities Corporation
City of, Palm Desert, California
Retired
Robert C. Lance
1914.1994
Richard C. Soll
Fred J. Lunghard, Jr.
1928-1999
We have audited the component unit financial statements of the Palm Desert Recreational Facilities
Corporation, a component unit of the City of Palm Desert, California, as of and for the year ended June
30, 2004, as listed in the accompanying table of contents. These component unit financial statements are
the responsibility of the Palm Desert Recreational Facilities Corporation's management. Our responsibility
is to express an opinion on these component unit financial statements based on our audit.
We conducted our audit in accordance with auditing standards generally accepted in the United States of
America and the standards applicable to financial audits contained in Government Auditing Standards,
issued by the Comptroller General of the United States. Those standards require that we plan and perform
the audit to obtain reasonable assurance. about whether the component unit financial statements are free
of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts
and disclosures in the component unit financial statements. An audit also includes assessing the
accounting principles used and significant estimates made by management, as well as evaluating the
overall financial statement presentation. We believe that our audit provides a reasonable basis for our
opinion.
The component unit financial statements referred to above include only the financial activities of the Palm
Desert Recreational Facilities Corporation. Financial activities of other component units that form the
reporting entity are not included.
The management's discussion and analysis on pages 3 through 7 is not a required part of the basic
financial statements but is supplementary information required by the Governmental Accounting
Standards Board. We have applied certain limited procedures, which consisted principally of inquiries of
management regarding the methods of measurement and presentation of the required supplementary
information. However, we did not audit the information and express no opinion on it.
In our opinion, the component unit financial statements referred to above present fairly, in all material
respects, the financial position of the Palm Desert Recreational Facilities Corporation as of June 30, 2004,
and the results of its operations and cash flows for the year then ended in conformity with accounting
principles generally accepted in the United States of America.
75 Years
1929 ' 2004
of Excellence 203 N. Brea Blvd. • Suite 203 • Brea, CA 92821-4056 • (714) 672-0022 • Fax (714) 672-0331 • www.Islcpas.com
ce
1L9rd
LLP
CERTIFIED PUBLIC ACCOUNTANTS
Board of Directors
Palm Desert Recreational Facilities Corporation
In accordance with Govemment Auditing Standards, we have also issued our report dated September
10, 2004 on our consideration of the City of Palm Desert's internal control over financial reporting and our
tests of its compliance with provisions of laws, regulations, contracts and grants.
September 10, 2004
PALM DESERT RECREATIONAL FACILITIES CORPORATION
MANAGEMENT'S DISCUSSION AND ANALYSIS
Our discussion and analysis of the financial performance of the Palm Desert Recreational Facilities
Corporation, a component unit of the City of Palm Desert, California, provides an overview of the City's
financial activities for the fiscal year ended June 30, 2004. Please read it in conjunction with the Palm
Desert Recreation Facilities Corporation's financial statements.
FINANCIAL HIGHLIGHTS
• Palm Desert Recreational Facilities Corporation's net assets deficit decreased by $69,688 from
$471,549 to $401,860.
• Palm Desert Recreational Facilities Corporation's gross income of $1,730,533 increased by
$112,069 (7%) over last year.
• Palm Desert Recreational Facilities Corporation's gross profit increased by $80,935 (7%) from last
year. The gross profit margin' remained constant at 68% for the last three years.
• Palm Desert Recreational Facilities overhead (Maintenance and Operations and General and
Administrative) increased by $52,079 (5%).
• Palm Desert Recreational Facilities Corporation's cost of goods sold increased by $31,134, which
represents a 6% increase from the previous year.
• Palm Desert Recreational Facilities Corporation's Selling and Administrative Expense
Percentage2 decreased by 1 % to 64%.
USING THIS ANNUAL REPORT
This annual report consists of a series of financial statements. The Balance Sheet and Statement of
Revenues, Expenses and Changes in Net Assets (on pages 8 and 9) provide information about the
activities of the Palm Desert Recreational Facilities Corporation as a whole and present a Tong -term view
of the Corporation's operations.
1 The gross profit margin is calculated by dividing gross profit by gross sales. The gross profit margin indicates how
well sales are performing when compared to expectations and the industry. The Corporation expected an industry
gross profit margin of approximately 68%.
2 The selling and administrative expense percentage is calculated by dividing the sum of the Maintenance &
Operations and the General & Administrative costs by the gross sales. This percentage indicates how well the
Corporation's overhead is maintained in relation to sales. The goal is to derive at overhead cost of approximately
64% or lower.
3
Palm Desert Recreational Facilities
Management's Discussion and Analysis (Continued)
REPORTING THE COMPONENT UNIT AS A WHOLE
The Balance Sheet and the Statement of Revenues, Expenses and Changes in Net Assets:
Our analysis of the Palm Desert Facilities Corporation (Corporation) as a whole begins on page 8. The
Corporation plays a vital role in completing the overall project known as Desert Willow Golf Resort (a
municipal golf course owned by the City of Palm Desert). The Corporation's main function is providing the
Food and Beverage operations at the Desert Willow Clubhouse. The restaurant operation within the
environment of the golf industry is a necessary complement to a round of golf. The main focus of our
analysis of the Palm Desert Recreational Facilities Corporation's operations is the profitability of the food
and beverage activities and tailoring the restaurant to meet the expectation of all golf enthusiasts alike.
What is the outcome for the food and beverage operations for this fiscal year? The Statement of Net
Assets and the Statement of Revenues, and the Expenses and Changes in Net Assets report information
about the Component Unit as a whole and about its activities. This report, along with the financial
highlights noted above, illustrates the operations and the profitability of the food and beverage activities.
These statements include all assets and liabilities of the Corporation using the accrual basis of
accounting. With the accrual basis of accounting, all of the current year's revenues are recognized when
earned instead of received, and all expenses are recorded when incurred instead of when paid.
These two statements report the Palm Desert Recreational Facilities Corporation's net assets and
changes in net assets. Net assets are the difference between assets and liabilities, which is one way to
measure the Corporation's financial health, or financial position. Over time, increases or decreases in the
Corporation's net assets are an indication of whether its financial health is improving or deteriorating. To
determine the profitability of the Corporation, consideration should also be given to other non -financial
factors such as the changes in consumer spending as a direct result of the overall economic indicators, as
well as changes in the significant industry factors such as price per golf round and level of tourism.
THE COMPONENT UNIT AS A WHOLE
The Palm Desert Recreational Facilities Corporation's combined net assets deficit decreased by $69,688
from $471,548 to $401,860. For the first three years of operations (1997-2000), the Corporation operated
out of a temporary facility; beginning in April 2000 the Corporation moved into and began operating from
its permanent restaurant located within the Desert Willow Golf Course Clubhouse. Although the
Corporation has continued to recognize a deficit net asset, our analysis indicates an upturn in operations
and predicts a complete turnaround within a few years. Our analysis below focuses on the net assets
(Table 1) and changes in net assets (Table 2) of the Corporation.
Palm Desert Recreational Facilities
Management's Discussion and Analysis (Continued)
TABLE 1
NET ASSETS
(IN THOUSANDS)
As of June 30, 2004 and 2003
Component Unit
Activities
2004 2003
Current and restricted assets $ 447,510 $ 291,228
TOTAL ASSETS 447,510 291,228
Other liabilities 849,370 762,7.76,-
TOTAL LIABILITIES 849,370
Net Assets (Deficit):
Unrestricted (401,860)
TOTAL NET
ASSETS (DEFICIT)
(471,548)
$ (401,860) $ (471,548).
The fiscal year end profit of $69,688 reduced the deficit in net assets by 15°fo Although the Corporation
continues to experience a deficit in net assets, we expect the Corporation will continue to recognize net
profit which will eventually eliminate the deficit, resulting in a positive net assets
REVENUES:
Program Revenues:
Food and Beverage
TOTAL REVENUES
TABLE 2
CHANGES IN NET ASSETS:
As of June 30, 2004 and 2003
Component Activities
2004 2003
$ 1,730,533 $ 1,618,464
1,730,533 1,618,464
EXPENSES:
Cost of Goods Sold 552,200 521,066
Maintenance and Operations 961,976 912,804
General and Administrative 146,669 143,760
TOTAL EXPENSES 1,660,845 1,577,630
NON -OPERATING EXPENSES:
Loss on Disposal of Assets
NET NON -OPERATING EXPENSES
(4,356)
(4,356)
INCREASE (DECREASE)
IN NET ASSETS $ 69,688 $ 36,478
5
Palm Desert Recreational Facilities
Management's Discussion and Analysis (Continued)
Component Activities
Total revenue increased from $1,618,464 to $1,730,533, a 7% increase. The main factor involved with this
increase is the fact that Palm Desert Recreation Facilities has continually become more efficient with
operations. This fiscal year was the fourth full year of operations at the Desert Willow Clubhouse. During
this fiscal year, the Corporation was able to market their banquets and outings based on the three
previous years' history. Factors that contributed to the increase are as follows:
• Efficiency in marketing and attracting new business.
• Continued patronage of customers and corporate groups.
• Increased banquet operations.
As Table 2 above indicates, total expenses increased from $1,577,630 to $1,660,845, a 5% increase. The
increase in expenditures was a normal response to the increased business activities recognized during
the fiscal year. The Gross Profit Margin and the Sefling and Administrative Expense Percentage were
consistent with previous years, indicating that the increase in overall expenses correlate with the increase
in business.
CAPITAL ASSET AND DEBT ADMINISTRATION
Capital Assets/Debt Administration
The Palm Desert Recreational Facilities Corporation does not own or lease any capital assets;
subsequently, there is no debt related to capital assets presented on their financial statement. More detail
is presented in the Notes to the Financial•Statements.
ECONOMIC FACTORS AND NEXT YEAR'S BUDGETS
In preparing the budget for 2005, management looked at the following economic factors:
• Energy and fuel cost: Although California appears to be past the energy crisis, the repercussions
of increased energy and fuel costs remain. The Palm Desert Recreational Facilities Corporation
has taken measures to reduce energy usage in the high peak period without impacting the
quantity or quality of service. -
• Prices: For the last three fiscal years, there has been downward pressure on prices within the golf
industry. This fiscal year, prices appeared to level off. Many public golf facilities have maintained
their marketing strategies and held prices constant in response to consumer choices. Unlike
previous years where the consumer paid the established prices, with the introduction of several
new golf courses and the refurbishing of older ones, the consumer has many choices. At this
point, it appears that the pricing for golf and amenities has met the current demand; hence, prices
are held constant. Nonetheless, the Palm Desert Recreational Facilities Corporation continues to
aggressively market and advertise to secure their market share in the local golf industry.
• National Economy: The golf and hospitality industries rely heavily on a strong national and local
economy. With a strong national economy, the market demand for leisure activities such as golf
and dining out is increased; however, in an economic downturn or a slowing of the economy, the
typical trend is for the consumer to reduce their consumption of leisure activities. Certain
economic indicators coupled- with the war in Iraq and the upcoming presidential election provides
for some economic uncertainty, which may play a vital role in affecting tourism to the Coachella
Valley. The Palm Desert Recreational Facilities Corporation does not know the extent of the
impact that such uncertainty would have on tourism to the Coachella Valley, but since the golf
industry relies heavily on the local tourism industry for their revenue, a downturn in tourism would
affect the Corporation's revenue.
6
Palm Desert Recreational Facilities
Management's Discussion and Analysis (Continued)
• The high worker's compensation costs to employers throughout the State of California will
continue to place upward pressure on the cost of providing services and supplies. Although the
Corporation recognized a reduction in the overall costs of worker's compensation, it still
represents over 15% of the total payroll costs. There is still some uncertainty on the state's
administrative impact on the overall costs of worker's compensation and how it would affect the
overall costs of services and supplies. The Palm Desert Recreational Facilities Corporation will
continue to observe the effects on their costs and will adjust prices accordingly, if appropriate.
A copy of the City's 2004-2005 financial plan can be obtained by contacting the City of Palm Desert's
Finance Department (see below).
CONTACTING THE CITY'S FINANCIAL MANAGEMENT
This financial report is designed to provide the users with a general overview of the Palm Desert
Recreational Facilities Corporation. if you have questions about this report or need additional financial
information, contact the City of Palm Desert's Finance Department at the City of Palm Desert, 73-510
Fred Waring Drive, Palm Desert, California 92260-2578, or (760) 346-0611.
7
PALM DESERT RECREATIONAL FACILITIES CORPORATION
STATEMENT OF NET ASSETS
JUNE 30, 2004
Assets:
Cash and cash equivalents $ 405,670
Accounts receivable 12,195
Inventory 26,006
Prepaid expenses 3,639
Exhibit A
Total Assets $ 447,510
Liabilities:
Current:
Accounts payable
Accrued liabilities
Advance from related party
Deferred revenue
$ 60,070
38,383
719,206
31,711
Total Liabilities 849,370
Net Assets (Deficit):
Unrestricted (Deficit) (401,860)
Total Net Assets (Deficit) $ (401,860)
See independent auditors' report and notes to basic financial statements.
8
PALM DESERT RECREATIONAL FACILITIES CORPORATION
STATEMENT OF REVENUES, EXPENSES AND CHANGES IN NET ASSETS
FOR THE YEAR ENDED JUNE 30, 2004
Operating Revenues:
Food and beverage sales
Operating Expenses:
Cost of goods sold
Maintenance and operations
• "/ General and administrative
Total Operating Expenses
Operating Income (Loss)
Nonoperating Revenues (Expenses):
Loss on disposal of asset
Net Nonoperating Expenses
Exhibit B
$ 1,730,533
552,200
961,976
146,668
1,660,844
69,689
Change in Net Assets 69,689
Net Deficit - Beginning of the year (471,549)
Net Deficit - End of the year $ (401,860)
See independent auditors' report and notes to basic financial statements.
9
PALM DESERT RECREATIONAL FACILITIES CORPORATION
STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED JUNE 30, 2004
Cash Flows From Operating Activities:
Receipts from customers
Payments to suppliers
Net Cash Provided (Used) by Operating Activities
Net Increase in Cash and Cash Equivalents
Cash and Cash Equivalents - Beginning of the Year
Cash and Cash Equivalents - End of the Year
Exhibit C
$ 1,721,303
(1,576,017)
145,286
145,286
260,384
405,670
Reconciliation of Operating Profit (Loss) to Net Cash
Provided (Used) by Operating Activities:
Operating profit (loss) $ 69,689
Adjustments to reconcile operating income (loss) to net cash
provided (used) by operating activities:
Change in assets and liabilities:
Receivables (7,891)
Prepaid (2,024)
Inventories (1,081)
Accounts and other payables 49,819
Accounts payable related parties 38,113
Deferred revenue (1,339)
Net Cash Provided (Used) by Operating Activities $ 145,286
See independent auditors' report and notes to basic financial statements.
10
PALM DESERT RECREATIONAL FACILITIES CORPORATION
NOTES TO FINANCIAL STATEMENTS
FOR THE YEAR ENDED JUNE 30, 2004
Note 1: Summary of Significant Accounting Policies
a. General
The Palm Desert Recreational Facilities Corporation (the Corporation) is a Corporation
that provides food and beverage services exclusively to the Desert Willow Golf Resort
(the Golf Resort). The Corporation is a discrete component unit of the City of Palm Desert
(the City) and is reported as an Enterprise Fund in the City's basic financial statements.
The Corporation was incorporated on February 25, 1997.
b. Basis of Accounting
On July 1, 2000, the Corporation adopted the provisions of GASB Statement No. 34
("Statement 34") of the Govemmental Accounting Standards Board, Basic Financial
Statements - and Management's Discussion and Analysis - for State and Local
Governments. Statement 34 established standards for external financial reporting for all
state and local government entities, which includes a balance sheet, a statement of
revenues, expenses and changes in net assets and a statement of cash flows. It requires
the classification of net assets into three components - invested in capital assets, net of
related debt; restricted; and unrestricted. These classifications are defined as follows:
• Invested in capital assets, net of related debt - This component of net assets
consists of capital assets, including restricted capital assets, net of accumulated
depreciation and reduced by the outstanding balances of any bonds, mortgages,
notes, or other borrowings that are attributable to the acquisition, construction, or
improvement of those assets. If there are significant unspent related debt
proceeds at year-end, the portion of the debt attributable to the unspent proceeds
are not included in the calculation of invested in capital assets, net of related
debt. Rather, that portion of the debt is included in the same net assets
component as the unspent proceeds.
• Restricted - This component of net assets consists of constraints placed on net
asset used through external constraints imposed by creditors (such as through
debt covenants), grantors, contributors or laws or regulations of other
governments or constraints imposed by law through constitutional provisions or
enabling legislation.
• Unrestricted net assets This component of net assets consists of net assets that
do not meet the definition of "restricted" or "invested in capital assets, net of
related debt".
The adoption of Statement No. 34 had no effect on the basic financial statements except
for the classification of net assets in accordance with the statement and the reflection of
capital contributions as a change in net assets.
See Independent Auditors' Report
11
Palm Desert Recreational Facilities Corporation
Notes to Financial Statements (Continued)
Note 1: Summary of Significant Accounting Policies (Continued)
The Corporation reports its activities as an enterprise fund, which is used to account for
operations that are financed and operated in a manner similar to a private business
enterprise, where the intent of the Corporation is that the costs (including depreciation) of
providing goods or services to the general public on a continuing basis be financed or
recovered primarily through user charges. Revenues and expenses are recognized on the
accrual basis. Revenues are recognized in the accounting period in which they are earned
and expenses are recognized in the period incurred, regardless of when the related cash
flow takes place.
Operating revenues, such as food and beverage sales, result from exchange transactions
associated with the principal activity of the Corporation. Exchange transactions are those
in which each party receiving and gives up essentially equal values.
The Corporation has elected under GASB Statement No. 20, Accounting and Financial
Reporting for Proprietary Funds and Other Governmental Activities that Use
Proprietary Fund Accounting, to apply all GASB pronouncements as well as any
applicable pronouncements of the Financial Accounting Standards Board (FASB), the
Accounting Principals Board (APB), or any Accounting Research Bulletins (ARB) issued
on or before November 30, 1989, unless they contradict or conflict with GASB
pronouncements.
c. Capital Assets and Depreciation
Capital assets are defined by the Corporation as assets with an initial cost of more than
$500 and an estimated life in excess of one year. Such assets are recorded at historical
cost or estimated historical cost if purchased or constructed. Donated capital assets are
recorded at estimated fair market value at the date of donation.
The cost of normal maintenance and repairs that do not add to the value of the asset or
materially extend asset lives are not capitalized.
Machinery and equipment are depreciated using the straight-line method over the
following estimated useful lives:
Assets Years
Machinery and equipment 3 - 7
As of June 30, 2004, the Corporation did not have any capital assets or related
depreciation expense.
d. Budgets
Kemper Sports Management, Inc., is required to submit to the City an operating budget
containing estimates of all the Corporation expenses for the next operating year, including
expenditures for: a) property operation and maintenance, b) repairs, replacements and
alterations which do not constitute capital improvements, c) furnishings and equipment
and operating inventory, and d) advertising, sale and business promotion. The budget is
required to be reviewed and approved by the City prior to July 1 of each year.
See Independent Auditors' Report
12
Palm Desert Recreational Facilities Corporation
Notes to Financial Statements (Continued)
Note 1: Summary of Significant Accounting Policies (Continued)
e. Cash, Cash Equivalents and Credit Risk
For purpose of the statement of cash flows, the Corporation considers all unrestricted
highly liquid investments with an initial maturity of three months or less to be cash
equivalents. The carrying value was $405,670 and the deposit value was $404,448.
The City has implemented GASB Statement No. 40, Deposit and Investment Risk
Disclosures. This pronouncement is an amendment to GASB Statement No. 3. GASB
No. 40 establishes and modifies disclosure requirements related to deposit and
investment risks. The information required by GASB Statement No. 40 related to
authorized investments, credit risk, etc., is available in the annual report of the City.
f. Inventories
Inventories are stated at the lower cost or market (no adjustments were made to reduce
inventory below cost) with cost determined using the Weighted Average Cost Method. At
June 30, 2004, inventory consisted of $26,006 in merchandise for sales of food and
beverages.
g. Leases
Leases, which in substance transfer all of the benefits and risks equivalent to ownership
of the property are classified as capital leases. The related assets and liabilities are
recorded at amounts equal to the lesser of the present value of the minimum lease
payments or the fair value of the leased property at the beginning of the respective leased
terms. Generally, such assets are amortized over their economic lives. Interest expense
relating to the lease liabilities is recorded to effect constant rates of interest over the terms
of the leases. All other leases are classified as operating leases and related rentals are
charged to expense as incurred.
h. Income Tax Status
The Corporation went through the process of obtaining exemption from federal income
and state franchise taxes. Required applications to obtain exempt status from the Internal
Revenue Service and Franchise Board were filed. The application filed with the Internal
Revenue Service was not approved.
Use of Estimates
The preparation of financial statements in conformity with accounting principals generally
accepted in the United States of America requires management to make estimates and
assumptions that affect the reported amounts of assets and liabilities at the date of the
financial statements and the reported amounts of revenues and expenses during the
reporting period. Actual results could differ from those estimates.
See Independent Auditors' Report
13
Palm Desert Recreational Facilities Corporation
Notes to Financial Statements (Continued)
Note 2: Related Party Transactions
Advances From Related Party
As of June 30, 2004, the Corporation owed the following amounts to related parties:
Desert Willow Golf Resort
City of Palm Desert
$ 47,206
672,000
$ 719.206
The Corporation has an operating lease with the City of Palm Desert for use of the
facilities (see Note 3).
Note 3: Commitments and Contingencies
Operating Leases
Obligations under operating leases are as follows:
The Corporation has an operating lease with the City of Palm Desert for use of the
facilities. The terms of the lease are $8,000 per month beginning June 4, 1997. The
lease is a month -to -month lease with no expiration date. Total rent expense incurred
for the year ended June 30, 2004 under this lease was $96,000. On May 18, 2004,
the Corporation approved an increase in the lease payment to begin on July 1, 2004.
The new lease payment is $15,000 per month.
Management Agreement
The Corporation is managed by Kemper Sports Management, Inc., under an agreement
to manage and operate Desert Willow Golf Course, a component unit of the City of Palm
Desert. This agreement commenced on April 10, 2003 and will expire on June 30, 2006.
Note 4: Risk Management
The Golf Resort is covered by insurance purchased by Kemper Sports Management Inc.,
general managers, which includes commercial liability, automobile, worker's compensation
and overall umbrella excess liability insurance through Aon Risk Services, Inc. of Illinois.
Note 5: Other Disclosures
The Palm Desert Recreational Facilities Corporation has a net asset deficit of $401,860,
which will be eliminated by increasing revenues through banquet reservations.
See Independent Auditors' Report
14